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Industrial Bank Co., Ltd.

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: CNE000001QZ7
CNY
20.87
-0.28 (-1.32%)

Dec 04

SHG

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Industrial Bank Co., Ltd.
Why is Industrial Bank Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.91% signifying inadequate buffers against its risk based assets
  • Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 2.80%
  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.91% signifying inadequate buffers against its risk based assets
  • The bank has been able to generate a Return on Assets (avg) of 0.63% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 2.80%
3
Flat results in Mar 25
  • OPERATING CASH FLOW(Y) Lowest at CNY 201,389 MM
  • NET SALES(Q) Lowest at CNY 81,060 MM
  • CASH AND EQV(HY) Lowest at CNY 740,967 MM
4
With ROA of 0.47%, it has a fair valuation with a 0.54 Price to Book Value
  • Over the past year, while the stock has generated a return of 13.12%, its profits have fallen by 0% ; the PEG ratio of the company is 5.6
  • At the current price, the company has a high dividend yield of 5.2
stock-recommendationReal-Time Research Report
Verdict Report
How much should you hold?
  1. Overall Portfolio exposure to Industrial Bank Co., Ltd. should be less than 10%
  2. Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Industrial Bank Co., Ltd. for you?

Low Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Industrial Bank Co., Ltd.
13.12%
0.95
20.00%
China Shanghai Composite
14.77%
1.01
14.58%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
3.60%
EBIT Growth (5y)
2.83%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.17%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.54
EV to EBIT
40.73
EV to EBITDA
37.80
EV to Capital Employed
0.91
EV to Sales
10.21
PEG Ratio
5.59
Dividend Yield
5.19%
ROCE (Latest)
2.23%
ROE (Latest)
9.57%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company
NII(Q)

Highest at CNY 37,722 MM

OPERATING PROFIT(Q)

Highest at CNY 16,634 MM

OPERATING PROFIT MARGIN(Q)

Highest at 20.52 %

-6What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at CNY 201,389 MM

NET SALES(Q)

Lowest at CNY 81,060 MM

CASH AND EQV(HY)

Lowest at CNY 740,967 MM

Here's what is working for Industrial Bank Co., Ltd.
NII
Highest at CNY 37,722 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (CNY MM)

Operating Profit
Highest at CNY 16,634 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (CNY MM)

Operating Profit Margin
Highest at 20.52 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Here's what is not working for Industrial Bank Co., Ltd.
Operating Cash Flow
Lowest at CNY 201,389 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (CNY MM)

Net Sales
Lowest at CNY 81,060 MM and Fallen
In each period in the last five periods
MOJO Watch
Near term sales trend is very negative

Net Sales (CNY MM)

Cash and Eqv
Lowest at CNY 740,967 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

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